Also, on the 1099 instructions there are several sentences that mention closing attorneys and/or title companies, but again, no requirement that the person doing the closing be an attorney or a title company.I'm a big believer in the Bill of Rights and the 10th amendment and I suppose that the 10th amendment is one of the reasons that RESPA does not apply to cash transfers of property.

It is a Federal crime and carries a sentence of not more than 20 years imprisonment and fines of up to $250,000 for individuals. 

Listen to and read the following sentence I type.

I feel like I say some version of the sentence "Insurance is not a substitute for asset protection" about eight times daily. 

I will be quoting a sentence from another great BP member @Lisa Phillips that "experience is your best teacher" because you will use different handymen and after using 4 or 5, you will get the best out of them. 

and someone is supposed to give a response in a few sentences...can't be done. 

That is where I become unsure, because I would need to find other financing if I'm not going to live in the home.Also, can you please clarify your last sentence when you say an investor is going to want a deal?

Allegedly, this sentence above is neutral not negative.

(just kidding, I did not say that last sentence)Rep: It will take about 3 weeks before you get an email about your eligibility. 

AND the key sentence is that if you have money in the bank that will pay off the mortgage on your home, investing that at a return higher than your mortgage rate (easy when you stated your interest rate is < 4%) is actually enhancing your family's position instead of weakening it.